Independent Personal Financial Management Limited

Reference number: 402334

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When ipfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 01767 600912 is
  • Who else gives the postcode SG18 0AP
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • IPFM Trading name
  • IPFM Limited Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04691257
Company status
Active
Company type
Private limited company
Incorporated
10 March 2003 (23 years old)
Registered office
Millers Barn, 48a Shortmead Street, Biggleswade, Bedfordshire, SG18 0AP
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Charlotte Marie Gibbon Director Sep 1986 1 Mar 2019 1 other company
Yvonne Sharlene Gibbon Secretary Not published 1 Mar 2019 –

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£185k

+142% from £76.5k

Employees (average)

5

Same as 5

Owed within a year

£104k

−21% from £132k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04691257. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (8) All events (15)

2020

1 May 2020

  • Charlotte Marie Gibbon took control (75–100% of shares)
  • James Luke Wenborn Gibbon gave up control

Companies House

12 March 2020

  • Changed its registered name from "IPFM Limited"

FCA register

2016

6 April 2016

  • James Luke Wenborn Gibbon took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

29 October 2004

  • Became authorised by the FCA

FCA register

27 October 2004

  • Regulated by the Financial Services Authority from this date

FCA register

2003

10 March 2003

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (8 shown here)
  • Every director appointment and resignation: 3
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Connected firms

Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Similar firms

Other firms of the same type (financial adviser), nearest first.

In the Stevenage (SG) postcode area

APG Wealth Management LtdWareAuthorisedArbutus Wealth Management (Awm) LtdHertfordAuthorisedBarbican Independent Financial Advisors LimitedHertfordAuthorisedBlaxsell Financial Planning LtdSheffordAuthorisedConsilium Financial Planning LimitedHitchinAuthorisedCranbourne Financial LimitedHitchinAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on this firm

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Independent Personal Financial Management Limited FCA authorised?
Yes, Independent Personal Financial Management Limited (FRN 402334) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Independent Personal Financial Management’s phone number and website?
The FCA register lists the phone number 01767 600912 and the website ipfm.co.uk for Independent Personal Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Independent Personal Financial Management a scam or clone?
Independent Personal Financial Management is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Independent Personal Financial Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Independent Personal Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Independent Personal Financial Management?
Companies House lists one person with significant control of Independent Personal Financial Management: Charlotte Marie Gibbon (75–100% of shares). Before that, it was controlled by James Luke Wenborn Gibbon.
Who runs Independent Personal Financial Management?
Companies House lists one director of Independent Personal Financial Management: Charlotte Marie Gibbon.
How long has Independent Personal Financial Management been in business?
The company was formed on 10 March 2003, and has held its current FCA authorisation since October 2004.
What do Independent Personal Financial Management’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £185k (+142% from £76.5k).
Does Independent Personal Financial Management use any other names?
It trades as IPFM. It has previously used the name IPFM Limited.

Sources and links

The full report on Independent Personal Financial Management Limited

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